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JURNAL MULTIDISIPLIN ILMU AKADEMIK
Published by CV Kampus Akademik Publising
ISSN : 30327385     EISSN : 30327377     DOI : https://doi.org/10.61722/jmia.v1i2
Core Subject : Religion, Humanities, Health, Social,
Religion Humanities Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Social Sciences
JURNAL MULTIDISIPLIN ILMU AKADEMIK (JMIA) , ISSN: (cetak), ISSN: (online) adalah jurnal yang ditujukan untuk publikasi artikel ilmiah yang diterbitkan oleh CV. Kampus Akademik Publising . JURNAL MULTIDISIPLIN ILMU AKADEMIK merupakan platform publikasi jurnal Karya suatu hasil penelitian orisinil atau tinjauan Pustaka yang ditulis oleh dosen atau mahasiswa. Ruang lingkup karya yang diterbitkan mencakup Multidisiplin diantaranya yaitu: Manajemen, Ekonomi, Ekonomi Syariah, Akuntansi, Kewirausahaan, Bisnis, Ilmu Sosial Humaniora, Sastra, Bahasa, Pertanian, Kesehatan, Peternakan, perikanan, Politik, Pendidikan, Ilmu Teknik, Sistem Informasi, Teknik Elektro dan Informatika, Desain Komunikasi Visual, Ilmu Komunikasi, Hukum. Jurnal ini terbit 1 tahun 6 kali (Februari, April, Juni, Agustus, Oktober, Desember)
Arjuna Subject : Umum - Umum
Articles 719 Documents
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IMPLIKASI KEPAILITAN SUATU PERUSAHAAN TERHADAP KESEHATAN BANK Annisa Ramadhani; Nasywa Hasna Nafisa; Noffani Megananda
JURNAL MULTIDISIPLIN ILMU AKADEMIK Vol. 1 No. 6 (2024): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jmia.v1i6.2880

Abstract

Abstrak: This article discusses the influence of bankruptcy status given to large textile companies such as Sritex, which is currently being discussed by the general public, on the health of banks. This research uses a normative juridical method with a literature study approach that focuses on primary and secondary legal sources. The analysis was carried out qualitatively using a descriptive approach. The research results show that company bankruptcy can have a significant impact on a bank's financial health, especially if the bank has a close financial relationship with the company. The impacts include an increase in non-performing loans (NPL), a decline in asset quality, and liquidity risks which put pressure on bank profitability. The domino effect of bankruptcy of large companies can weaken the banking sector and in extreme scenarios can lead to a banking crisis. To overcome these risks, banks need to implement a strong risk management strategy. Keywords: Implications, Bankruptcy, Company, Bank Health. Abstrak: Artikel ini membahas mengenai pengaruh status kepailitan yang diberikan pada perusahaan besar tekstil seperti Sritex yang kini menjadi pembahasan khalayak umum terhadap kesehatan bank. Penelitian ini menggunakan metode normatif yuridis dengan pendekatan studi kepustakaan yang berfokus pada sumber hukum primer serta sekunder. Analisis dilakukan secara kualitatif dengan menggunakan pendekatan deskriptif. Hasil penelitian menunjukkan bahwa Kepailitan perusahaan dapat berdampak signifikan pada kesehatan finansial bank, terutama jika bank memiliki hubungan keuangan erat dengan perusahaan tersebut. Dampak yang ditimbulkan meliputi peningkatan kredit bermasalah (NPL), penurunan kualitas aset, dan risiko likuiditas yang menekan profitabilitas bank. Efek domino kepailitan perusahaan besar dapat memperlemah sektor perbankan dan dalam skenario ekstrem dapat menimbulkan krisis perbankan. Untuk mengatasi risiko tersebut, bank perlu menerapkan strategi manajemen risiko yang kuat. Kata Kunci: Implikasi, Kepailitan, Perusahaan, Kesehatan Bank
Akar Filsafat Pendidikan Islam Melalui Pemikiran Socrates, Plato Dan Aristoteles. Intan Dwi Safitri; Samrotul Choiriah; M.Khoirul Huda; M.Yunus Abu Bakar
JURNAL MULTIDISIPLIN ILMU AKADEMIK Vol. 1 No. 6 (2024): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jmia.v1i6.2882

Abstract

Filsafat pendidikan Islam, sebagai sebuah disiplin ilmu yang mendalami landasan berpikir tentang pendidikan dalam perspektif Islam, memiliki akar sejarah yang panjang dan kompleks. Artikel ini bertujuan untuk mengkaji latar belakang historis munculnya filsafat pendidikan Islam dengan menelusuri perkembangan filsafat spiritualisme kuno serta pemikiran para filsuf terkemuka seperti Socrates, Plato, dan Aristoteles. Ketiga filsuf tersebut telah memberikan kontribusi yang sangat berharga dalam pengembangan konsep-konsep dasar pendidikan seperti pengetahuan, kebenaran, kebaikan, dan tujuan hidup manusia. Filsafat merupakan ilmu yang mengandung tentang hasil dari penelitian dan berkaitan dari pertanyaan para filosofis. Dalam pengambilan data ini melalui metode kualitatif deskriptif yakni dengan cara menelaah, menafsirkan dan mendeskripsikan pemikiran tiga tokoh utama filsuf yang masyhur tersebut.
Tanggung Jawab Hukum Bank dalam Kasus Kebocoran Data Nasabah Syafa Widya Annafa; Hanintya Pasha Gabriel Hasa Simanjuntak; Meira Ananda Ayudia
JURNAL MULTIDISIPLIN ILMU AKADEMIK Vol. 1 No. 6 (2024): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jmia.v1i6.2885

Abstract

This research examines the legal responsibilities of banks in cases of customer data breaches in Indonesia. The study aims to analyze the scope of the banks' legal obligations, the mechanisms for protecting customer data, and to evaluate data breach cases in order to formulate recommendations for strengthening the system. Using a normative legal research method, this study investigates relevant regulations, banking practices, and case studies. The findings indicate that banks have multi-layered responsibilities based on various laws, while existing protection mechanisms often prove inadequate in preventing sophisticated cyber threats. This research also provides practical recommendations for enhancing data protection systems in the banking sector.
Perlindungan Hukum Akibat Kerugian Transaksi Aplikasi Mobile Banking Bagi Nasabah Perbankan Berdasarkan Hukum Perbankan Danendra Aryasatya Maheswara; Yusrul Hana
JURNAL MULTIDISIPLIN ILMU AKADEMIK Vol. 1 No. 6 (2024): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jmia.v1i6.2886

Abstract

The advancement of technology in the banking sector has encouraged the adoption of mobile banking applications as a fast and efficient means of transaction for customers. However, this convenience is accompanied by the risk of losses for customers due to cybercrimes, such as data theft and unauthorized transaction access. This study aims to analyze the legal protections available for banking customers who experience losses from transactions through mobile banking applications and to examine the relevant provisions in banking law. The research employs a normative juridical approach, analyzing regulations, legal literature, and related cases. The results indicate that, although a legal framework exists to protect customers, there are still weaknesses in its implementation, which prevent customers from consistently receiving maximum protection. This study recommends strengthening regulations and enhancing transparency in the process of addressing customer losses to create a safer and more reliable digital banking ecosystem.
PERLINDUNGAN HUKUM NASABAH DALAM KASUS PEMBOBOLAN REKENING BANK DI INDONESIA Almira Qurrotul Aini; Elanti Fatayatun Khoiroh
JURNAL MULTIDISIPLIN ILMU AKADEMIK Vol. 1 No. 6 (2024): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jmia.v1i6.2891

Abstract

Abstrak : The legal protection of customers in cases of bank account breaches in Indonesia is an urgent issue in line with the increase in cybercrime targeting the banking sector. This article examines the regulation of legal protection for customers, including the liability of banks as stipulated in the Banking Law and the Consumer Protection Law. Findings show that while a clear legal framework exists, its implementation is often ineffective. Customers often suffer financial losses and face difficulties in resolving disputes with banks, both through litigation and non-litigation channels. This article highlights the importance of preventive measures by banks, such as improved security systems and customer education, as well as the role of regulators in ensuring banks' compliance with consumer protection standards. Through a normative juridical approach, this article provides a comprehensive overview of the challenges and solutions in strengthening customer legal protection to increase public confidence in the banking system.Keyword: Legal Protection, Customer, Account Breach, Banking. Abstrak : Perlindungan hukum nasabah dalam kasus pembobolan rekening bank di Indonesia merupakan isu mendesak seiring dengan meningkatnya kejahatan siber yang menargetkan sektor perbankan. Artikel ini mengkaji regulasi perlindungan hukum bagi nasabah, termasuk tanggung jawab bank sebagaimana diatur dalam Undang-Undang Perbankan dan Undang-Undang Perlindungan Konsumen. Temuan menunjukkan bahwa meskipun ada kerangka hukum yang jelas, implementasinya sering kali belum efektif. Nasabah kerap mengalami kerugian finansial dan menghadapi kesulitan dalam menyelesaikan sengketa dengan bank, baik melalui jalur litigasi maupun non-litigasi. Artikel ini menyoroti pentingnya langkah preventif oleh bank, seperti peningkatan sistem keamanan dan edukasi nasabah, serta peran regulator dalam memastikan kepatuhan bank terhadap standar perlindungan konsumen. Melalui pendekatan yuridis normatif, artikel ini memberikan gambaran menyeluruh tentang tantangan dan solusi dalam memperkuat perlindungan hukum nasabah guna meningkatkan kepercayaan publik terhadap sistem perbankan.Kata kunci: Perlindungan Hukum, Nasabah, Pembobolan Rekening, Perbankan.
Analisis Yuridis Implementasi Merger Bank di Indonesia Berdasarkan Undang-Undang Nomor 10 Tahun 1998 Ginta Amelia Cahya; Renaldhi Ade Fitrian
JURNAL MULTIDISIPLIN ILMU AKADEMIK Vol. 1 No. 6 (2024): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jmia.v1i6.2901

Abstract

This study aims to analyze the implementation of bank mergers in Indonesia based on Law Number 10 of 1998 concerning Banking. The research adopts a normative juridical method with a statutory approach and case analysis. Data were collected through literature studies, including primary and secondary legal materials, along with juridical analysis of related regulations. The findings indicate that bank mergers in Indonesia are clearly regulated under Law Number 10 of 1998 and its supporting provisions, including approval mechanisms by the Financial Services Authority (OJK). However, challenges such as administrative hurdles and compliance with specific requirements often create obstacles for banking business actors. This study concludes that improving regulations and strengthening oversight by relevant authorities are necessary to ensure that the bank merger process operates effectively, efficiently, and in accordance with the precautionary principle.
Pengaruh Penggunaan Pemurni Air Komersial terhadap Kandungan Logam Berat Kadmium (Cd) pada Air Minum Yayi Sutra Wuni; Kesuma, Sandry
JURNAL MULTIDISIPLIN ILMU AKADEMIK Vol. 1 No. 6 (2024): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jmia.v1i6.2907

Abstract

Penyediaan air minum bagi masyarakat wajib memenuhi syarat kualitas air bersih yang terbebas dari zat kontaminan, salah satunya yaitu logam berat cadmium (Cd) yang bersifat toksik bagi manusia. Masyarakat terus melalukan berbagai cara dalam upaya pemenuhan air minum yang aman dan sehat. Salah satu cara yang dilakukan yaitu dengan memanfaatkan teknologi tepat guna dalam skala kawasan rumah tangga berupa alat penyaring air. Penelitian ini bertujuan untuk mengetahui pengaruh penggunaan pemurni air komersial terhadap kandungan logam berat kadmium pada air. Adapun pemurni air komersial yang digunakan pada penelitian ini adalah “Bio Energy Water Purifier”. Dalam penelitian ini dilakukan pembuatan sampel buatan berupa logam berat kadmium konsentrasi 0,01; 0,05; 0,1; 0,5 dan 1 mg/L dalam 1 L air, yang selanjutnya disaring menggunakan pemurni air komersial dan air hasil saringan dianalisis kadar logamnya menggunakan Spektrofotometer Serapan Atom. Berdasarkan hasil yang diperoleh dari penelitian, menunjukkan bahwa pemurni air komersial berpengaruh terhadap penurunan logam berat kadmium (Cd), karena seluruh sampel yang sebelumnya mengandung konsetrasi logam berat kadmium (Cd) 1; 0,5; 0,1; 0,05 dan 0,01 mg/L setelah disaring tidak menunjukkan adanya kandungan logam berat kadmium (Cd). Selain itu, menunjukkan bahwa air yang dihasilkan memenuhi standar air minum yang layak konsumsi menurut Permenkes No. 492 tahun 2010 terkait logam berat kadmium (Cd), karena batas maksimum yang diijinkan sebesar 0,003 mg/L.
MENAVIGASI TABIR PELANGGARAN SHARIAH COMPLIANCE: PERAN LITIGASI DALAM MENJAGA INTEGRITAS PERBANKAN SYARIAH Aida Jasmine Nur Riyadi; Suwarsit Suwarsit
JURNAL MULTIDISIPLIN ILMU AKADEMIK Vol. 1 No. 6 (2024): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jmia.v1i6.2912

Abstract

Islamic banking in Indonesia is experiencing rapid growth, but accompanied by potential violations of sharia principles. Litigation plays an important role in maintaining the integrity of Islamic banking by enforcing sharia law and providing legal certainty for the parties. The role of litigation in navigating the veil of sharia compliance violations in Islamic banking. First, it discusses the scope of sharia compliance violations, including usury practices, contract manipulation, and other violations of sharia principles.Second, it discusses the role of litigation in enforcing sharia law. This includes dispute resolution mechanisms through religious and public courts, as well as the role of the National Sharia Council in providing fatwas and directions related to the application of sharia law in Islamic banking.Third, it was discussed about the role of litigation in providing legal certainty for the parties. This includes legal certainty for customers, Islamic banks, and regulators. This legal certainty is important to build public trust in Islamic banking and encourage its sustainable growth. This abstract concludes that litigation is an important instrument in maintaining the integrity of Islamic banking. By enforcing sharia law and providing legal certainty, litigation can help build fair, transparent, and accountable Islamic banking
DAMPAK SISTEMIK KORUPSI TERHADAP PEREKONOMIAN, SISTEM PENDIDIKAN, DAN PEMBAGUNAN INFRASTRUKTUR DI INDONESIA: SEBUAH ANALISIS KOMPREHENSIF Firda Nurjihan Salsabila; Lilis Suminar; Yola Agustina; Yuni Sri Rezeki; Muhammad Fikri Ramdhani
JURNAL MULTIDISIPLIN ILMU AKADEMIK Vol. 1 No. 6 (2024): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jmia.v1i6.2917

Abstract

Corruption has been recognized as one of the main barriers to sustainable development. This research aims to analyze the systemic impact of corruption on the economy, education system, and infrastructure development in Indonesia. The method used is a literature review that examines various sources related to corruption. The results show that corruption has a negative impact on economic growth, hampers access to education, and reduces the quality of infrastructure. In addition, corruption also creates inefficiencies in budget management and undermines public trust in the government. This research emphasizes the importance of preventive measures, transparency in public financial management, and collaboration between the government, society, and the private sector to create a corruption-free system to achieve sustainable development.
Tinjauan Prosedural Perlindungan Hukum Bagi Wajib Pajak Dalam Keberatan Bea Perolehan Hak Atas Tanah Dan Bangunan Danendra Aryasatya Maheswara; Fatih Henning Octavian Haq; Yusrul Hana; Aprila Niravita; Muhammad Adymas Hikal Fikri; Harry Nugroho
JURNAL MULTIDISIPLIN ILMU AKADEMIK Vol. 1 No. 6 (2024): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jmia.v1i6.2918

Abstract

This article examines the procedural review of legal protection for taxpayers in filing objections to the Land and Building Rights Acquisition Duty (BPHTB). Legal protection for taxpayers is essential to ensure administrative justice and provide a guarantee of rights for those who dispute the BPHTB value determined by the authorities. This study highlights the stages of the objection procedure, the rights and obligations of taxpayers, and the role of the tax court in dispute resolution. Using a normative juridical approach, the article identifies shortcomings in the procedural system that may hinder access to justice for taxpayers. The findings reveal that a more transparent procedure and robust protection mechanisms are essential to safeguard taxpayers' rights in BPHTB dispute resolution.

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